Legal claims defining the scope of protection, as filed with the USPTO.
1. A system comprising: at least one processor of a document access facilitator; and at least one memory comprising computer program code, the at least one memory and the computer program code configured to, with the at least one processor, cause the at least one processor to: exchange onboarding data between a document storage platform and the document access facilitator, the onboarding data including a base address of the document storage platform and a security key of the document access facilitator; receive a document summary presentation message from a presenter, the document summary presentation message including a document identifier associated with a document stored in the document storage platform and a recipient identifier associated with a recipient; send a document summary presentation notification to the recipient using the recipient identifier, the document summary presentation notification including the document identifier and notifying the recipient that the document stored in the document storage platform is available for viewing by the recipient; receive a document presentation request from the recipient, the document presentation request including the document identifier; generate a secure access link to the document using the base address, the document identifier, and the security key of the document access facilitator; and send the generated secure access link to the recipient in response to the received document presentation request, causing the recipient to use the generated secure access link to access the document in the document storage platform.
2. The system of claim 1, wherein the secure access link includes a replay tag that is used by the document storage platform to confirm that the secure access link is used only once.
3. The system of claim 1, wherein the at least one memory and the computer program code is further configured to, with the at least one processor, cause the at least one processor to: validate the document presentation request based on the recipient from which the document presentation request is received matching the recipient of the recipient identifier included in the document summary presentation message; and wherein generating the secure access link occurs after the document presentation request is validated.
4. The system of claim 1, wherein generating the secure access link includes digitally signing a portion of data of the secure access link using the security key, whereby the document storage platform is enabled to verify the digitally signed portion of data to validate the secure access link when the secure access link is used by the recipient to access the document.
5. The system of claim 1, wherein the at least one memory and the computer program code is further configured to, with the at least one processor, cause the at least one processor to: exchange onboarding data with a second document storage platform, the onboarding data exchanged with the second document storage platform including a second base address of the second document storage platform and the security key of the document access facilitator; receive a second document summary presentation message from a second presenter, the second document summary presentation message including a second document identifier associated with a second document stored in the second document storage platform and the recipient identifier associated with the recipient; and wherein the document summary presentation notification further includes the second document identifier and notifies the recipient that the second document stored in the second document storage platform is available for viewing by the recipient.
6. The system of claim 1, wherein the secure access link is valid to access the document only for a defined time period after generation.
7. The system of claim 1, wherein sending the document presentation request and sending the generated secure access link to the recipient includes sending the document presentation request and generated secure access link to a financial institution with which the recipient is associated, whereby the financial institution is enabled to forward the document presentation request and generated secure access link to the recipient.
8. A computerized method comprising: exchanging, by a document access facilitator, onboarding data with a document storage platform, the onboarding data including a base address of the document storage platform and a security key of the document access facilitator; receiving a document summary presentation message from a presenter, the document summary presentation message including a document identifier associated with a document stored in the document storage platform and a recipient identifier associated with a recipient; sending a document summary presentation notification to the recipient using the recipient identifier, the document summary presentation notification including the document identifier and notifying the recipient that the document stored in the document storage platform is available for viewing by the recipient; receiving a document presentation request by the document access facilitator from the recipient, the document presentation request including the document identifier; generating, by the document access facilitator, a secure access link to the document using the base address, the document identifier, and the security key of the document access facilitator; and sending the generated secure access link to the recipient in response to the received document presentation request, causing the recipient to use the generated secure access link to access the document in the document storage platform.
9. The computerized method of claim 8, wherein the secure access link includes a replay tag that is used by the document storage platform to confirm that the secure access link is used only.
10. The computerized method of claim 8, further comprising: validating the document presentation request based on the recipient from which the document presentation request is received matching the recipient of the recipient identifier included in the document summary presentation message; and wherein generating the secure access link occurs after the document presentation request is validated.
11. The computerized method of claim 8, wherein generating the secure access link includes digitally signing a portion of data of the secure access link using the security key, whereby the document storage platform is enabled to verify the digitally signed portion of data to validate the secure access link when the secure access link is used by the recipient to access the document.
12. The computerized method of claim 8, further comprising: exchanging onboarding data with a second document storage platform, the onboarding data exchanged with the second document storage platform including a second base address of the second document storage platform and the security key of the document access facilitator; receiving a second document summary presentation message from a second presenter, the second document summary presentation message including a second document identifier associated with a second document stored in the second document storage platform and the recipient identifier associated with the recipient; and wherein the document summary presentation notification further includes the second document identifier and notifies the recipient that the second document stored in the second document storage platform is available for viewing by the recipient.
13. The computerized method of claim 8, wherein the secure access link is valid to access the document only for a defined time period after generation.
14. The computerized method of claim 8, wherein sending the document presentation request and sending the generated secure access link to the recipient includes sending the document presentation request and generated secure access link to a financial institution with which the recipient is associated, whereby the financial institution is enabled to forward the document presentation request and generated secure access link to the recipient.
15. One or more computer storage media having computer-executable instructions that, upon execution by a processor, cause the processor to at least: exchange onboarding data between a document storage platform and a document access facilitator, the onboarding data including a base address of the document storage platform and a security key of the document access facilitator; receive a document summary presentation message from a presenter, the document summary presentation message including a document identifier associated with a document stored in the document storage platform and a recipient identifier associated with a recipient; send a document summary presentation notification to the recipient using the recipient identifier, the document summary presentation notification including the document identifier and notifying the recipient that the document stored in the document storage platform is available for viewing by the recipient; receive a document presentation request, by the document access facilitator, from the recipient, the document presentation request including the document identifier; generate a secure access link, by the document access facilitator, to the document using the base address, the document identifier, and the security key of the document access facilitator; and send the generated secure access link to the recipient in response to the received document presentation request, causing the recipient to use the generated secure access link to access the document in the document storage platform.
16. The one or more computer storage media of claim 15, wherein the secure access link includes a replay tag that is used by the document storage platform to confirm that the secure access link is used only once.
17. The one or more computer storage media of claim 15, wherein the computer-executable instructions, upon execution by a processor, further causes the processor to at least: validate the document presentation request based on the recipient from which the document presentation request is received matching the recipient of the recipient identifier included in the document summary presentation message; and wherein generating the secure access link occurs after the document presentation request is validated.
18. The one or more computer storage media of claim 15, wherein generating the secure access link includes digitally signing a portion of data of the secure access link using the security key, whereby the document storage platform is enabled to verify the digitally signed portion of data to validate the secure access link when the secure access link is used by the recipient to access the document.
19. The one or more computer storage media of claim 15, wherein the computer-executable instructions, upon execution by a processor, further causes the processor to at least: exchange onboarding data with a second document storage platform, the onboarding data exchanged with the second document storage platform including a second base address of the second document storage platform and the security key of the document access facilitator; receive a second document summary presentation message from a second presenter, the second document summary presentation message including a second document identifier associated with a second document stored in the second document storage platform and the recipient identifier associated with the recipient; and wherein the document summary presentation notification further includes the second document identifier and notifies the recipient that the second document stored in the second document storage platform is available for viewing by the recipient.
20. The one or more computer storage media of claim 15, wherein the secure access link is valid to access the document only for a defined time period after generation.
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March 25, 2025
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